Senior Underwriter

We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.

We are launching a new technology-driven lending platform in Spain through the establishment of a regulated EFC. We are looking for a highly hands-on Senior Underwriter to help shape the Spanish underwriting framework during a critical growth and licensing phase.

This role combines day-to-day underwriting expertise with policy development, automation support, portfolio quality oversight and operational scaling.

The successful candidate will play a key role in bridging manual underwriting expertise with scalable automated decisioning strategies suitable for a regulated consumer lending environment.

• Perform complex manual underwriting assessments for consumer lending applications.

• Review affordability, income verification, bank transaction analysis and fraud indicators.

• Assess exceptions and borderline cases outside automated decisioning rules.

• Ensure consistent and responsible lending decisions aligned with internal credit policies and Spanish regulatory expectations.

• Support the CRO in the development and refinement of underwriting policies, scorecards and affordability rules.

• Contribute practical underwriting expertise into automated decisioning strategies.

• Identify opportunities to reduce manual interventions while maintaining portfolio quality.

• Help define credit segmentation strategies, cut-off logic and referral workflows

• Work closely with Risk, Data Science and Technology teams to translate underwriting logic into scalable decision engines.

• Support the implementation and tuning of automated lending rules.

• Help improve onboarding journeys, verification flows and fraud prevention controls.

• Participate in testing and validation of underwriting systems and rule changes.

• Monitor underwriting quality and consistency across the underwriting team.

• Identify emerging credit, fraud or operational risks.

• Support root cause analysis on arrears, fraud events or policy breaches.

• Assist with underwriting QA frameworks and governance controls.

• Act as a senior reference point for junior underwriters.

• Provide coaching, mentoring and training support.

• Help establish underwriting procedures, documentation and operational best practices.

• Contribute to building a high-performing underwriting culture aligned with regulated lending standards.

• 5+ years of underwriting experience within consumer finance, fintech lending, banks or regulated lenders.

• Strong understanding of unsecured consumer lending products.

• Experience reviewing affordability and transactional banking data.

• Practical experience operating within policy-driven underwriting environments.

• Exposure to automated decisioning systems and underwriting rule frameworks.

• Experience working with Spanish consumer lending regulation and responsible lending expectations.

• Experience within a digital lender environment.

• Familiarity with open banking-based underwriting models.

• Experience supporting underwriting automation projects.

• Exposure to fraud prevention and financial crime indicators.

• Experience operating in high-growth fintech or scaling environments

• Strong analytical and decision-making capability.

• Pragmatic commercial judgement balanced with risk discipline.

• Ability to work in fast-moving and evolving operational environments.

• Excellent attention to detail.

• Strong communication and stakeholder management skills.

• Hands-on mentality with willingness to operate both strategically and operationally.

• Comfortable working across Risk, Operations, Technology and Compliance functions.